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Workers Comp: Who Picks The Doctor?
When it comes to an event that is covered by workers’ comp, who gets to choose a doctor, the employer, or the employee? Let’s answer that today. If your employee gets injured on the job, it’s you, the employer or the insurance carrier that has a right to […]
Medical Marijuana and the Workplace
What if an employee has a medical marijuana card? How does that affect your drug-free workplace? According to the latest legislature, an employer does not have to accommodate medical marijuana in the workplace or an employee under the influence of marijuana. The medical marijuana approval in Florida does […]
Waiver of Subrogation: Value vs Risk
A waiver of subrogation clause is placed on a contract to minimize the lawsuits and claims between the parties. The risk, once assigned to the insured parties stops there, without allowing the insurance company to go after any third parties. This guarantees that if the loss occurs, the […]
What is a Waiver of Subrogation?
One of the most important parts of risk management is to review the contract you’re about to sign and that includes a contract’s waiver of subrogation clause. Subrogation is a basic insurance concept used in insurance contracts. If a loss occurs, it typically happens due to someone’s negligence. […]
5 Reasons Why Your Business Needs An Incidence Response Plan
Every organization that stores or handles data is at risk of a cyber-attack. As technology advances, companies are collecting, storing, and transferring more personal information about their customers and employees than ever before. This not only puts a target on your business back, but it also means that […]
Safety Culture: How to get your employees to care
So you finally implemented a safety culture in your company, but now the question is, “how do I get my employees to care?” You can motivate your employees to care about safety by tying it directly to their compensation or incentives. Reward employees who err on the side […]
The Importance of Building a Safety Culture
One of the ways we help you move your business from danger to a safe place is by making sure that you have the right safety culture within your company. Now, of course, having the right safety culture is important to you, but is it to your employees? […]
Manufacturers E&O: Here’s Why You Need It
Consider the following scenario. A customer asks your company to manufacture a part to certain specifications as were outlined in the contract. He then needs to add that part to his product so he can send that product to his customers by a set deadline. Your company then […]
4 Benefits of Product Liability Insurance
Your customers expect you to have safe and reliable products, and failing to meet these expectations can lead to huge financial losses. If one of your products harms the customer in any way, they can sue your business leading to costly legal fees and settlements. These costs can […]
5 Benefits of Business Interruption Insurance
Continuity is critical in business, and there are a few things more important than continuous revenue and cash flow, particularly for small to medium size organizations. In fact, just one brief business interruption can be incredibly costly for an organization often leading to serious reputational damages or long-term […]